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ROBS - Rollover for Business Startups - lets you use your 401(k) or IRA to buy a business without paying early withdrawal penalties or income taxes. It's legal, the IRS recognizes it, and thousands of people have used it. But it's not simple, not cheap, and carries real risk that most ROBS providers gloss over. This guide breaks down exactly how ROBS works, what it costs to set up and maintain, where it makes sense, where it goes wrong and how it compares to SBA loans and oth